FMG Car Insurance

FMG, also known as Farmers' Mutual Group, is an insurance company that has been loyally serving its customers for over a hundred years.

Heritage and experience: FMG's long-standing legacy in rural communities

The company's deep connection to New Zealand is further solidified by its local presence and understanding of rural communities' unique challenges and opportunities.

With a heritage dating back to 1905, FMG has acquired extensive knowledge and experience, enabling the company to manage risks associated with rural lifestyles and businesses effectively.

As a mutual organisation, the company operates in a way that distinguishes it from other insurers.

Mutual structure and customer focus: FMG's unique approach

What distinguishes FMG is its mutual status and its unwavering dedication to prioritising you. Being fully owned and operated in New Zealand, the company operates for the benefit of its members, with profits reinvested into the business to maintain fair and affordable premiums.

As a mutual organisation, it believes in assisting you in achieving your goals and empowering you to make well-informed decisions. Whether through online platforms, phone support, or face-to-face interactions, they employ an advice-led approach to ensure your long-term success.

Client contributions for comprehensive coverage

As a mutual organisation, the company operates on equity and community support principles.

You contribute to the mutual through your premiums, ensuring that they can provide comprehensive coverage and take care of its clients and the rural communities of New Zealand.

By eliminating the need to distribute dividends to shareholders, it reinvests its profits into the organisation, reinforcing its commitment to serving the best interests of its members.

FMG's outstanding achievement: Canstar's most satisfied users awards

It has garnered numerous awards and accolades for its outstanding services by prioritising customer satisfaction and doing what’s right.

One notable accomplishment is FMG's attainment of the Canstar most satisfied customers awards in both home and contents insurance and car cover.

The company achieved an excellent customer rating in these categories, making it the sole insurer to receive a top 5-star score for complete comfort among the twelve providers assessed.

Four car insurance options available at FMG

• Superior Private Vehicles policy
• Superior Farm Vehicles policy
• Commercial Vehicle policy
• Boat policy

Third-party only, third-party fire and theft and fire and theft covers are available for each of the above four vehicle insurance policies in addition to the comprehensive options which FMG encourages you to opt for.

Unique global recognition demonstrates FMG's commitment to excellence, positioning them as the preferred choice among all insurance providers in New Zealand for car insurance.

Their primary goal is to provide customers with optimal car insurance coverage that holds utmost importance, ensuring the protection of their vehicles and peace of mind. 

What’s covered by FMG’s Superior Private Vehicles policy

FMG's superior private vehicles policy provides optional benefits that policyholders can add to enhance their coverage. One such benefit is hire charges, which cover the expense of hiring a replacement vehicle while the insured vehicle is being repaired or replaced after a loss.

The policy covers costs related to misfuelling or fuel contamination. In the event of accidental wrong fuel usage leading to breakdowns or failures, FMG takes care of the expenses, allowing you to get back on the road without financial strain. The coverage typically extends up to a specific daily amount for a limited number of days, usually around 30 days from the claim's acceptance.

FMG car insurance: Safeguarding your vehicles and more

FMG's car insurance goes beyond the standard coverage provided for private vehicles. It also includes vehicle insurance such as horse floats, trailers, and caravans.

Whether you use your vehicles for daily commutes, errands, or vacations, the company's superior private vehicles policy ensures top-tier protection for all your personal-use vehicles.

Optional coverage enhancements for enhanced protection

Besides these advantages, the company offers optional coverage enhancements to provide even more comprehensive protection.

This includes hire charges coverage, which ensures the provision of a replacement vehicle while your specified vehicle is being repaired or replaced following a loss.

Hassle-free vehicle addition or replacement: Temporary coverage and easy updates

They recommend their Superior Cover for all insured vehicles to ensure you have the necessary coverage for unforeseen circumstances. The company also offers alternative coverage options, including third-party only, third-party fire and theft, and fire and theft, catering to different requirements and budgets.

When you add or replace a vehicle on your policy, they automatically cover it for up to 30 days after purchase while you update your details. Notify the company about the new or replacement vehicle and pay any additional premium required.

Coverage details: What FMG car insurance doesn't cover for your vehicle

They offer extensive protection for your vehicle, however, it's important to note specific exclusions outlined in the policy for transparency. Firstly, the insurance does not cover breakdown or failure of certain systems, such as the engine, transmission, electrical or electronic systems, and mechanically or hydraulically operated systems.

Cover is extended to other parts of the vehicle affected by such breakdowns or failures. The policy excludes coverage for faults, defects, or inherent issues in materials, workmanship, or design. Any resulting loss to other parts of the vehicle may still be eligible for coverage.